over the £16k threshold
Hi, Im trying to support a 55yr old person with paranoid schizophrenia. They were in receipt of higher rate ESA, PIP, HB and CTB but cannot spend the money as fast as it comes in and have now gone over the £16k threshold.
Because of their paranoid delusions the financial situation makes their schizophrenia even worse and they wont intentionally overspend or but unnecessary items to keep their savings down.
I have no financial training and little benefit knowledge and Im not sure where we stand now with what they can claim in the future, what is best for them to claim and when to do it.
They are also worried about their class 1 NI contributions.
To make matters more complicated and add to the problems, their condition means that they have sought advice from a few different places locally, including The CAB, and have had all contradicting advice which has increased their anxiety and confusion.
Can anyone advise me please?